Identifying Non-Adopter Consumer Segments:An Empirical Study on Earthquake Insurance Adoption in Turkey

In recent years, steadily climbing natural disaster losses have increased the need to promote new financial risk transfer mechanisms, including insurance, as a mitigation tool to build resilient communities to recover faster after disaster occurrence. However, while the societal need for such policies is high, demand for natural disaster insurance typically is still low. While there is ample research on positive adoption decisions, reasons for non-adoption has not yet received the attention it deserves. Using the case of earthquake insurance in Turkey, this study investigates how public policy makers and insurance companies can differentiate non-adopter segments and consequently develop targeted strategies to stimulate the uptake of disaster insurance. Our study develops a non-adopter typology consisting of four segments-state reliant positivist, dependers, adversaries, and uninformed loners. Differences among segments provide policy makers and insurance companies with meaningful insights to design and consequently introduce affordable natural disaster insurance to the market

ANKARA ÜNİVERSİTESİ AKADEMİK BİRİMLERİNİN YETKİNLİK VE VERİMLİLİKLERİNİN BELİRLENMESİ: DİŞ HEKİMLİĞİ FAKÜLTESİ PİLOT ÇALIŞMASI

Amaç: Bu çalışmada, Türkiye Bilimsel ve Teknolojik Araştırma Kurumu (TÜBİTAK) tarafından oluşturulan ve “Üniversitelerin Alan Bazlı Yetkinlik Analizi” çalışması esas alınarak, Ankara Üniversitesi Diş Hekimliği Fakültesi için anabilim dalı ve öğretim üyesi yetkinlik analizlerinin yapılması amaçlanmıştır.Yöntem: Çalışma kapsamında, yayın, atıf ve projelere ilişkin veriler için 2018-2020 dönemi baz alınmıştır. Göstergelere ilişkin veriler, WOS ve Scopus veri tabanı, Incites ve SciVal vasıtasıyla temin edilmiştir. Ayrıca fakültedeki tüm öğretim üyelerinin faaliyetleri çalışma verilerine dâhil edilmiştir. Öğretim üyeleri ve anabilim dalları için göstergeler tanımlanarak Anabilim Dalı Hacim ve Kalite Göstergeleri ile Öğretim Üyesi Hacim ve Kalite Göstergeleri için kriterler oluşturulmuştur.Bulgular: Çalışma sonucunda diş hekimliği fakültesi akademik yetkinlik grafikleri oluşturulmuştur. Düşük hacim ve düşük kaliteden, yüksek hacim ve yüksek kaliteye kadar olan anabilim dalları ve öğretim üyelerine ilişkin gruplar elde edilmiştir.Özgünlük: Bu çalışma ile bütün üniversitelerde kullanılabilecek basit ve efektif anabilim Dalı ve öğretim Üyesi Yetkinlik analiz yöntemi oluşturulmuştur

Mutual information model selection algorithm for time series

status: publishe

TGA and kinetic study of different torrefaction conditions of wood biomass under air and oxy-fuel combustion atmospheres

Combustion and oxy-fuel combustion characteristics of torrefied pine wood chips were investigated by Thermogravimetric Analysis (TGA). Three torrefaction temperatures (250, 300, and 350 °C) and two residence times (15 and 30 min) were considered. Experiments were carried out at three heating rates of 10, 20, and 40 °C/min. The isoconversional kinetic methods of FWO, KAS, and Friedman were employed to estimate the activation energies. The assessment of uncertainty in obtaining the activation energy values was also considered. The obtained results indicated that due to torrefaction, the O/C and H/C atomic ratios decreased, resulting the 300ºC-30 min and 350ºC-15 min torrefied biomass to be completely embedded in lignite region in van-Krevelen's diagram. Oxy-fuel combustion affected the decomposition of cellulose and lignin components of biomass while the impact on the hemicellulose component was negligible. The kinetic analysis revealed that with the evolution of conversion degree, the activation energy values increased during hemicellulose degradation, remained approximately constant during cellulose decomposition and showed a sharp decrease for lignin decomposition. The activation energy trends were comparable in both air and oxy-fuel combustion conditions, however slight changes in activation energy values were noticed. The highest activation energy value was obtained for 250ºC-30 min torrefied biomass at 183.40 kJ/mol and the lowest value was 72.93 kJ/mol for 350ºC-15 min biomass. The uncertainty values related to FWO method were lower than KAS and Friedman methods. The uncertainty values for FWO and KAS methods were at the range of 5–15%. © 2019 Energy Institute213M525The financial support for this work by TUBITAK-1003 under Grant 213M525 is greatly appreciated. The views expressed in this paper belong to authors. -

TGA and kinetic study of different torrefaction conditions of wood biomass under air and oxy-fuel combustion atmospheres

Barzegar, Ramin/0000-0003-2796-7126WOS: 000527368100005Combustion and oxy-fuel combustion characteristics of torrefied pine wood chips were investigated by Thermogravimetric Analysis (TGA). Three torrefaction temperatures (250, 300, and 350 degrees C) and two residence times (15 and 30 min) were considered. Experiments were carried out at three heating rates of 10, 20, and 40 degrees C/min. the isoconversional kinetic methods of FWO, KAS, and Friedman were employed to estimate the activation energies. the assessment of uncertainty in obtaining the activation energy values was also considered. the obtained results indicated that due to torrefaction, the O/C and H/C atomic ratios decreased, resulting the 300 degrees C-30 min and 350 degrees C-15 min torrefied biomass to be completely embedded in lignite region in van-Krevelen's diagram. Oxy-fuel combustion affected the decomposition of cellulose and lignin components of biomass while the impact on the hemicellulose component was negligible. the kinetic analysis revealed that with the evolution of conversion degree, the activation energy values increased during hemicellulose degradation, remained approximately constant during cellulose decomposition and showed a sharp decrease for lignin decomposition. the activation energy trends were comparable in both air and oxy-fuel combustion conditions, however slight changes in activation energy values were noticed. the highest activation energy value was obtained for 250 degrees C-30 min torrefied biomass at 183.40 kJ/mol and the lowest value was 72.93 kJ/mol for 350 degrees C-15 min biomass. the uncertainty values related to FWO method were lower than KAS and Friedman methods. the uncertainty values for FWO and KAS methods were at the range of 5-15%. (C) 2019 Energy Institute. Published by Elsevier Ltd. All rights reserved.[TUBITAK-1003]; [213M525]The financial support for this work by TUBITAK-1003 under Grant 213M525 is greatly appreciated. the views expressed in this paper belong to authors

Assessing the demand factors for residential earthquake insurance in Turkey: Empirical evidence

The purpose of this study is to understand what the drivers of attitude towards purchasing insurance products are and which factors \u2013both psychological, economical and consumer characteristics- affect consumers\u2018 purchase decisions. The structural equation modeling (SEM) seems to be the most suitable approach to look for the relationship between these variables because it accounts measurement errors of variables and give opportunity to identify both direct and indirect effects. The compulsory earthquake insurance (CEI) was introduced in 2000 as a result of the devastating impacts of 1999 Marmara Earthquake in Turkey. In the literature, previous studies examined only descriptive differences between consumers who buy or not earthquake insurance. In this study, we compare the importance of different factors by modeling consumer\u2018s buying decision next to focusing on purchase intention of non-owners of an earthquake insurance consumer in SEM framework. In the study, 800 households in six different regions of Ankara with different socio-economic characteristics are surveyed with simple random sampling. This study is a first study to apply structural equation modeling to the Turkish Catastrophe Insurance Pool claims data. Findings of the analysis will help insurance sector to design better policies to overcome unwillingness to buy earthquake insurance, to indicate how to approach to convince consumers to purchase insurance products